CONTENTS

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CONTENTS

Conceptual Framework of Factors Influencing Customers’ Usage of Mobile Banking Services in Tertiary Institutions in Oyo State, Nigeria

Ayoade, Olusola Bamidele & Gbadegesin, Adegboyega Uthman ………………….….…..1

Fabrication and Properties of Okro Bast Fibre/Unsaturated polyester resin Composites

U.I Hindatu, A.T Sule K. S Abdullahi, & M. S Mato …………………………………….21

Evaluation of Activated Carbon from Coconut Husk as Standard pH Enhancer for Drilling Mud Formulation

Okologume Chinedu Wilfred & Asaboro Jefferson ………………..……………………….29

Daily Ethiopian Birr/Nigerian Naira Exchange Rates Intervention Analysis

Igboye Simon Aboko & Ette Harrison Etuk ……………………………………………..…39

Effect of Tilt Angle on the Performance of Hotovoltaic Cell in Yola, Nigeria

Dikko A. B., Pascal T., A. Alkasim, Udanyi S. A.……………………………….……..…47

Assessment of the Challenges of Informal Land Delivery System in Karu Urban Area (KUA), Nigeria

Baba, Ezekiel Bahago, Gumau, Binta Garba, Anikajogun, Bibiana Ometere ………….54

A Comparison of Probit Regression and Binary Regression

Robinson Amos Ibuchi; Okeregwu Blessing Amaka; Ockiya, Atto Kennedy; & Inamete Emem   Ndah H. ……………………………………………………………………………69